Pepsi and Maya Modernize Payments for Local Retailers

Pepsi and Maya Modernize Payments for Local Retailers
Streamlining Sari-Sari Store Operations

In an exciting new partnership, Maya, the Philippines’ leading digital bank, and Pepsi-Cola Products Philippines, Inc. (PCPPI) have unveiled a groundbreaking initiative that aims to revolutionize payment and financing systems across PCPPI’s vast network. With over 200,000 distributors and sari-sari stores under PCPPI’s umbrella, the collaboration is set to make business operations smoother, faster, and more efficient for local retailers.

By integrating Maya’s all-in-one digital banking and payments platform, this initiative promises to simplify how business owners manage payments and access capital—key drivers of sustainable growth in the FMCG sector.

Faster Collections, Safer Transactions

At the heart of this initiative is Maya’s end-to-end cashless payment system, which ensures faster collections and real-time reconciliation. This means sari-sari stores and distributors no longer need to worry about cash handling risks like theft, delays, or misreporting. Instead, digital transactions streamline daily operations, allowing businesses to focus on scaling up and meeting customer demand.

With quicker transaction processing, business owners can manage their inventory more efficiently while minimizing errors in bookkeeping. It’s a small but impactful change that could redefine how traditional sari-sari stores operate in an increasingly digital world.

Accessible Loans Powered by AI

One of the most revolutionary aspects of this partnership is Maya’s AI-driven credit scoring system. By analyzing real-time sales and payment data, Maya offers working capital loans tailored to the needs of sari-sari store owners and distributors.

These loans provide accessible financing options, enabling small businesses to purchase inventory, expand their operations, or navigate unexpected challenges. The seamless process removes barriers to funding, giving even the smallest enterprises a chance to thrive.

“This partnership supports our goal of streamlining operations and strengthening support for our distributors and retail partners,” said Phyo Phyu Noe, President and CEO of PCPPI. “By shifting to digital payments and financing, we’re making it easier for our partners to do business and grow with us.”

An Integrated Financial Infrastructure

The partnership doesn’t stop at digital payments—it goes further by embedding Maya’s solutions into PCPPI’s Distributor Management System (DMS). This integration creates a connected financial infrastructure that links collections, payments, and inventory financing.

With everything streamlined into one system, distributors and sari-sari store owners gain full visibility into their finances, making informed business decisions easier than ever before. Whether reconciling transactions or accessing loans, this all-in-one platform is designed to support small-scale businesses at every step of their journey.

A Broader Shift in FMCG

The collaboration between Maya and PCPPI reflects a growing trend in the FMCG sector. Companies are increasingly embedding financial services into their supply chains, not just to digitize payments, but to strengthen relationships with trade partners.

“By simplifying collections and improving access to financing, we’re helping sari-sari store owners and distributors grow with confidence in an increasingly digital world,” said Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder.

The initiative provides a working model for how digital finance can drive inclusive growth and improve resilience in the Philippine retail landscape. It highlights the role of technology in empowering small businesses, fostering grassroots-level progress, and fueling economic growth across the country.

Unlocking Inclusive Growth

For distributors and sari-sari store owners, this partnership is more than just modernization—it’s an opportunity. Digital finance allows businesses to reduce operational challenges, improve cash flow, and access funding that would otherwise be out of reach.

By combining Maya’s expertise in digital banking with PCPPI’s expansive network, this initiative offers a glimpse into the future of retail operations—one where technology works hand in hand with traditional commerce to create long-term resilience.